Mo. Rev. Stat. § 369.699: Limits on investment.

1. A savings bank may not invest more than forty percent of its total assets in commercial loans. A commercial loan is a loan for business, commercial, corporate or agricultural purposes.

2. A savings bank shall maintain at least fifteen percent of its assets in assets and investments taken from the following categories:

(1) First and second lien residential mortgage loans or foreclosed residential mortgage loans;

(2) Home improvement loans;

(3) Interim residential construction loans; and

(4) Mortgage-backed securities.